The is a temporary repayment plan offered through Citibank (the card issuer) to help cardholders facing significant financial distress . Program Details & Benefits

To qualify, you must demonstrate a , such as: Job loss or significant income reduction. Serious medical emergencies or illness. Natural disasters or other severe unforeseen events. How to Apply

: While the program itself doesn't automatically hurt your score, reporting modified terms or closing an account may cause a temporary dip.

: Enrolling often results in your account being closed or your credit limit being significantly reduced to prevent further debt.

: Be ready to provide a detailed list of your monthly income and expenses.